Terms of Service

Last updated: 2026-05-04. This is a placeholder; final terms will be reviewed by counsel (Spec §14).

The certificate

The certificate confirms that you completed our course and passed our quizzes. It is not a credit score or any indicator of creditworthiness. It is not approved or endorsed by any government body or credit bureau. We make no representation that any landlord, employer, or other party is required to accept it.

Refunds

You may request a refund within 7 days of purchase, no questions asked. Once your certificate has been issued, refund eligibility ends regardless of how many days remain in the window. Refunds are processed back to the original payment method via Square.

Permitted use

You may complete the course for yourself. You may not share your account, share quiz answers, or fraudulently misrepresent the certificate.

Disclaimer

Educational content only. Not financial, legal, or credit advice.